Dividen.my is a free financial planning tool designed specifically for Malaysians. Our mission is to simplify complex financial calculations regarding national savings schemes.

Whether you are deciding between taking an ASB Loan or saving cash, planning for your Hajj via Tabung Haji, or projecting your retirement savings in KWSP (EPF), our tools provide clear, visual projections to help you make informed decisions.

Why we built this

Financial literacy is crucial. Many people sign up for financing products without fully understanding the "Hidden Costs" or the impact of long-term compounding. We wanted to build a transparent calculator that shows exactly where your money goes.